How can maternity capital be used?
Since 2007, a program called "parent capital" has been implemented in Russia. The demographic situation in the country is not stable, the number of economically active population decreases every year. In order to stabilize such a situation, in order to increase the birth rate and improve the quality of life of children, this bill was introduced.
So, any family gets the right to receive the maternity capital if a second or subsequent child is born or adopted in it. The certificate can be obtained and used only once in a lifetime.
Maternal capital is annually indexed:
- 250,000 rubles - 2007
- 276 250 rubles - 2008
- 312 162 rubles - 2009
- 343 383 rubles - 2010
- 365 698 rubles - 2011
- 387 600 rubles - 2012
- more than 400 000 rubles - 2013 (according to the forecast)
Payments are not taxed.
How can maternity capital be used in 2012?
Maternity capital is provided not to the individual child, but to the family as a whole. Therefore, you can spend money, taking into account the interests of the whole family. Valid certificate upon presentation of an identity document.
The main areas of maternity capital:
- housing improvement
- mother's pension savings
Improving housing conditions: (maternity capital can be used in the following directions)
- pay off a mortgage loan
- repair or reconstruction of the house
- construction compensation
- building or repairing a house on your own
- share building
- with participation in housing cooperatives
- payment of education in schools
- payment of education in kindergarten
- student accommodation in a dormitory of educational institutions
- for the formation of part of the pension for the mother (meaning the funded part)
Note: maternity funds can be divided. For example, part of the money spent on education of the child, part of the improvement of housing conditions and part of the accumulation of pensions. It is also possible to use the certificate in part, that is, for example, to direct half of the funds to the necessary needs now, and to defer the rest to a later period.
Various bills on the use of maternity capital for treatmentchild, to provide infants with high-tech medical care, to buy a car were rejected. Currently, the authorities are considering items on how to use maternity capital: opening a bank account to accumulate dividends, support large families.
One-time payment in the amount of 12 thousand rubles for urgent needs of the family:
During the crisis period, the State Duma of the Russian Federation provided for the Federal Law No. 241 "On additional measures to support families with children," according to which citizens of the Russian Federation who are eligible to receive maternal (family) capital could receive a one-time payment in the amount of 12 thousand rubles. This service could be used only until March 1, 2011. Currently this law is not valid.
Is it possible to cash out the maternity capital?
Impossible - the only correct answer. In essence, the issued certificate is virtual money that can only be used in certain directions. Cash in this case is not provided in principle. Recently in Russia, cases of fraud.Various firms and companies offer their services to obtain cash from the parent capital, charging a certain percentage for the operation. At the same time they claim that it is legal. Remember that often you can just lose your certificate, no one will return the amount, and the company will disappear the next morning. For such actions in Russia criminal liability is provided (fine or imprisonment for up to 2 years).
The basis for writing an article on how to use maternity capital is the Federal Law of December 29, 2006 No. 256 "On additional measures to support families with children."